| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKR INSURANCE AGENCY INC3 Filed as: DKR INSURANCE AGENCY, INC. | 119 EAST BIG HORN DRIVE HAINESVILLE, IL 60030 | BLUECROSS BLUESHIELD OF ILLINOIS | $40K | — | $40K | 1.74% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PL STE 830 DOWNERS GROVE, IL 60515 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | — | $28K | 1.24% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IA 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.38% |
| DKR INSURANCE AGENCY INC3 | 4371 BAY BEACH LN #213 FT MYERS BEACH, FL 33931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.62% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.63% |
| DKR INSURANCE AGENCY INC3 | 4371 BAY BEACH LN #213 FT MYERS BEACH, FL 33931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.37% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.01% |
| DKR INSURANCE AGENCY INC3 Filed as: DKR INSURANCE AGENCY INC. | 4371 BAY BEACH LN #213 FT MYERS BEACH, FL 33931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $502 | — | $502 | 0.99% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $931 | — | $931 | 2.02% |
| DKR INSURANCE AGENCY INC3 | 4371 BAY BEACH LN #213 FT MYERS BEACH, FL 33931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $453 | — | $453 | 0.98% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.98% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: DKR INSRUANCE AGENCY INC | 4371 BAY BEACH LN #213 FT MYERS BEACH, FL 33931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $316 | — | $316 | 2.08% |
| DKR INSURANCE AGENCY INC3 Filed as: DKR INSURANCE AGENCY | 4371 BAY BEACH LN #213 FT MYERS BEACH, FL 33931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $138 | — | $138 | 0.91% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE STE 830 DOWNERS GROVE, IL 60515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $996 | — | $996 | 7.49% |
| DKR INSURANCE AGENCY INC3 Filed as: DKR INSURANCE AGENCY | 4371 BAY BEACH LN #213 FT MYERS BEACH, FL 33931 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $467 | — | $467 | 3.51% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 331 | $2.3M |
| Dental(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $112K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $51K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $93K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $81K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.